What are the minor illnesses that can be covered by general critical illness insurance?

The China Banking and Insurance Regulatory Commission stipulates that there are three types of mild illnesses that must be insured, mild malignant tumors, mild acute myocardial infarction, and mild sequelae of stroke.

Mild disease refers to the early state or mild condition of a major disease. So which diseases are better for mild illness protection? For example, if you suffer from intra-aortic surgery (non-thoracotomy), and you are not eligible for severe illness compensation, if the corresponding mild illness benefit is provided, then you can apply for a minor illness claim.

So what are the high-incidence critical illnesses? These 28 critical illnesses are all insured, accounting for more than 95% of the critical illness claims of insurance companies. If you don't know these, don't buy them randomly!

In addition, since mild illness is an early state of major illness, some people feel that the more mild illnesses the better, so that the chance of compensation is greater. In fact, no, the number of mild diseases is not the point, the focus is whether there are high-incidence diseases, whether there are groups, whether it is a premium waiver, the number of claims and the proportion of claims, etc. For mild disease, please refer to this article:

Is the more mild illnesses in critical illness insurance, the better?

If you are a small partner who does not understand insurance knowledge, it is recommended to understand the basic knowledge of insurance first, and then choose the insurance to choose the right insurance for yourself, so as to avoid buying insurance that is not suitable for you. For those who buy insurance for the first time, you must read this article to understand: before buying insurance, you must first understand these key knowledge points!

Critical illness insurance products that provide protection for minor illnesses generally include three types of minor illnesses that must be insured by the CBIRC, namely mild malignant tumors, mild acute myocardial infarction and mild sequelae of stroke.

When looking at the mild illness protection of critical illness insurance, we should also pay attention to the following aspects: Is the more mild illness protection in critical illness insurance, the better?

Hello, the current critical illness insurance will have a certain amount of minor illness compensation.

Insurance industry associations do not have a unified standard for mild illness, which also causes different companies to have certain differences in the number, type and even definition of mild illness.

There are many types of mild symptoms, such as minor stroke, atypical myocardial infarction, minor third-degree burns, severe visual impairment, etc.

Minor illnesses covered by critical illness insurance mainly include: non-life-threatening malignant lesions, atypical acute myocardial infarction, minor stroke, coronary intervention (non-thoracotomy), pituitary tumor, brain cyst, cerebral hemangioma, decompensated specific chronic liver failure, severe hearing impairment, severe visual impairment, moderate paralysis, heart valve interventional surgery, specific brain injury, minor third-degree burns, early motor neuron disease, intra-aortic surgery, early cardiomyopathy, type 1 diabetes complicated by nephropathy, Single limb loss, carotid angioplasty or endarterectomy, hepatic lobectomy, pacemaker implantation, moderate encephalitis or sequelae of meningitis, moderate Alzheimer's disease, moderate Parkinson's disease, primary pulmonary hypertension, moderate myasthenia gravis, moderate rheumatoid arthritis, moderate ulcerative colitis, minor facial burns, pericardial resection, and many more. Different insurance companies and insurance products have different coverage for minor illnesses.

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Nowadays, many critical illness products carry the responsibility of mild illness, what kind of disease does mild illness involve? To put it simply, a mild illness is a relatively mild serious illness, such as binocular blindness is a serious illness, and monocular blindness is a mild illness.

With people's attention to health, the detection rate of mild diseases has increased significantly compared with the past, so it is still necessary to pay for critical illnesses with mild illness. So what kind of precise guarantee responsibility is more advantageous?

First of all, more important than the number of mild illnesses is whether the high incidence of mild illnesses is covered. According to statistics, the four most common mild cases include carcinoma in situ, minor stroke, atypical myocardial infarction and coronary intervention. Secondly, depending on the compensation ratio and the number of claims for mild diseases, the higher the compensation ratio, the better, the number of claims two or three times is enough, and the multiple claims depend on the claim conditions.

For example, whether it is grouped or not, intervals, etc. The more lenient the claim conditions, the better. Finally, most products on the market come with a waiver of premiums for minor illnesses, and it should be noted that they do not come with them or need to pay additional premiums.

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Mild illness in critical illness insurance refers to some early manifestations of critical illness and mild symptoms.

Different insurance companies have different definitions of mild illness protection (except for the three types of minor illnesses that must be insured by the CBIRC), and the number of minor illness benefits set by different products is also different.

So the more mild illness coverage, the more worth investing in this product:Is the more mild illnesses in critical illness insurance, the better?

1.Benefits of Mild Illness Benefit

At first, critical illness insurance only covered critical illness, and gradually began to add protection for mild to moderate illness.

Critical illness insurance joins mild illness, once it is confirmed that the mild illness agreed in the Jing Zhen diagnosis contract, you can get a mild illness insurance payment, early detection and early **, and some current critical illnesses come with the insured light, medium and severe premium waiver, if the insured is first diagnosed with a mild illness during the payment period, the premium is waived, it is simply not too cost-effective.

2.In addition to mild illness protection, what else do I need to pay attention to when purchasing critical illness insurance?

What does a good critical illness insurance look like? If you are interested, you can poke the detailed version:A good critical illness insurance policy looks like this! You've been lied to for so many years.

When purchasing critical illness insurance, in addition to paying attention to whether the responsibility of insurance protection is comprehensive enough, whether it covers light, medium and severe disease protection, you can also pay attention to the amount of insurance, some critical illness insurance will have additional compensation for the age of heavy liability, such as the first diagnosis of critical illness before the age of 60 to enjoy additional compensation, this kind of protection is very good for the breadwinner of the family.

Once a critical illness is diagnosed for the first time at an age of great responsibility, the greater the financial pressure on the family, and if they can get a higher benefit amount, they can also pass on the financial risk caused by the critical illness to a greater extent.

When purchasing critical illness insurance, you can also pay attention to whether it is easy to apply for insurance with illness, and even if there are some minor problems in the body, a good critical illness insurance can be underwritten intelligently.

If you want to see examples of excellent critical illness insurance, you can see the list of popular critical illness insurance that I shared earlier that is worth buying:Top 10 Popular Critical Illness Insurance Points Worth Buying! Hope.

1. Hello, whether you want to buy critical illness insurance with mild illness liability depends on your needs to decide, there is a difference in the product is that you can only buy critical illness liability without buying mild illness liability, 2, plus mild illness liability insurance will not be much more expensive than not plus mild illness liability insurance, it is recommended to buy together, because everyone can not ** themselves in the future whether they suffer from a serious illness or a mild illness first, extended reading: [insurance] how to buy, which is good, hand in hand to teach you to avoid these insurance"pits"

Some insurance companies have 30 types of mild illnesses, some have 40 types, and some have 50 types of critical illness insurance, but they can generally be divided into the following five categories:

3. Diseases related to severe organ function: severe hearing impairment in both ears, blindness in one eye, severe chronic renal failure, lobectomy, small burns, systemic lupus erythematosus and other diseases;

5. Other diseases: early rubberosis, osteoporotic fracture, hip replacement surgery, vena cava filter implantation and other diseases.

In addition, the types and terms of diseases may vary from insurance company to insurance company, and the details of specific minor diseases and their claim conditions can be referred to the terms of the contract.

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